Provident fund loan process:

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.

How does the provident fund borrow money to buy a house

Now many people choose housing provident fund loans to buy a house, but for first-time buyers, they don't know much about this process. Then, let Bian Xiao share with you how the provident fund loans to buy a house. You can understand it and believe it can give some help.

First, how does the provident fund borrow money to buy a house

1. Preliminary review: The housing provident fund management department conducts a preliminary review of the information provided by the applicant, including the loan amount, the applicant's qualification and the loan time. After the first trial is passed, the notice of mortgage review and evaluation will be given.

2. Evaluation: The applicant obtains the notice of mortgage review and evaluation, and then goes to the designated evaluation agency to evaluate the purchased house. If you can afford it, there is no need to evaluate it.

3. Audit: The applicant carries the evaluation report and relevant materials of preliminary examination for loan audit. Meet the requirements, given the "housing fund management guarantee entrusted loan investigation notice".

4. Handling guarantee procedures: The applicant carries the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management, and handles guarantee procedures according to the selected guarantee form. In the form of mortgage guarantee, the guarantor shall write a written guarantee; If it is in the form of mortgage and insurance, you need to go to the insurance company to handle the entrustment guarantee procedures.

5. Sign a loan contract.

6. The housing provident fund management department signs an entrusted loan agreement with the entrusted bank, and finally lends money.

Second, what should I pay attention to when buying a house with a provident fund loan?

1, the provident fund cannot be directly used as the down payment for buying a house. If you want to buy a house with a provident fund loan, you can pay the down payment directly in rainy days, and then take relevant information to the local provident fund management center to withdraw the balance of the provident fund before you can use it.

2. The total amount of provident fund withdrawal cannot exceed the total house price. If you have 400,000 yuan in your provident fund account, the total price of the house you bought is not 400,000 yuan, so you can't withdraw all of it.

3. After the provident fund loan is settled, you can use the provident fund to buy a house. If your loan is not paid off, you can't apply for a provident fund loan to buy a house; If you pay off the previous loan, you can apply for a provident fund loan to buy a house again, without restrictions.

Abstract: The above is the related content of how Bian Xiao shared the provident fund to borrow money to buy a house. Provident fund loans should be applied according to local policies, so as to be approved smoothly. You can learn more about it when applying for provident fund loans.

How to borrow provident fund loans? It takes only four steps to complete the mortgage loan.

If you can use the housing provident fund to apply for a loan to buy a house, I believe few people will choose a commercial loan. After all, the interest rate of provident fund loans is low. Some people are not very clear about the process of housing provident fund loans. If you understand clearly, pay attention. As long as you can complete the mortgage in four steps, go ahead.

Provident Fund loan process

The housing provident fund loan process is as follows:

Step 1: The bank that provides the loan accepts the borrower's application for provident fund loan, and after reviewing the basic materials, the information is entered into the provident fund loan management system, and the provident fund center completes the online review and feeds back the results within one working day.

Step 2: The borrower who meets the conditions of provident fund loan after examination shall be responsible for signing the contract and handling the relevant loan procedures by the bank providing the loan, and then the seller shall go to the real estate transaction department where the house is located for mortgage registration.

Step 3: After receiving the mortgage-related loan information, the Provident Fund Center will complete the data verification and transfer of entrusted loan funds within 5 working days.

Step 4: After receiving the loan funds allocated by the Provident Fund Center, the undertaking bank will post them and transfer them to the account specified in the loan contract within 1-2 working days.

After reading the above housing provident fund loan process, do you think it is not difficult? Yes In fact, as long as you meet the conditions for applying for housing provident fund loans and follow the above process, your mortgage can be handled smoothly.

How does the provident fund borrow money to buy a house

As long as the following provident fund loan conditions are met, you can buy a house.

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full.

2, continuous normal deposit housing provident fund for more than twelve months.

3. Purchase and build self-occupied houses within the administrative area, and have paid the purchase price above the prescribed down payment ratio.

4. Personal credit is good, with stable economic income and the ability to repay the loan principal and interest.

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Housing accumulation fund extraction process:

1. First of all, you need to provide your real ID card and its copy, and you need to provide different corresponding supporting materials according to different purposes of withdrawing housing provident fund. Then you need to go to my unit to collect and fill in the conditions for the withdrawal of housing provident fund to determine whether the submitted certification materials are true and legal.

2. The second step is to open an account with the above-mentioned documents, application forms and corresponding supporting materials at the housing provident fund management department where employees have paid the provident fund.

3. Step 3: After being audited by the local housing provident fund management department, confirm whether your situation meets the conditions for housing provident fund withdrawal and whether the submitted certification materials are true and legal.

4. If the documents you provide are incomplete, you need to apply for a supplement as soon as possible; If your application conditions are met, your personal information is filled in correctly, and your identity is true, the provident fund management center will allow your withdrawal requirements and inform you to go through the payment procedures at the corresponding bank. If you don't have the application conditions, the provident fund management center will also inform you, and will also inform you in the notice the specific reasons why you can't withdraw the housing provident fund.

5. Under normal circumstances, after you apply for the withdrawal of housing provident fund, the housing provident fund management center needs to complete the review within 3 working days from the date of your application and will inform you of the result as soon as possible.

6. If your application is audited by the housing provident fund management department, you need to provide the personal savings account number of the designated bank, and the housing provident fund management department will handle the withdrawal procedures of the housing provident fund.

7. After completing the procedures for withdrawing the housing provident fund, the housing provident fund management department will transfer the amount you applied for to the account you provided, and then you can withdraw the housing provident fund by going to the bank with your bank card.